Speak with a licensed agent now — +1-540-352-6249 · English · Español · Kreyòl Ayisyen
Trusted by Tampa, Florida families, self-employed workers and small business owners since 2011 — with a 24-hour response guarantee on every quote request and a free annual policy review for every client.
Whether you are a 1099 gig driver in Ybor City with no employer benefits, a young family in Riverview buying your first term policy, or a retiree in Carrollwood turning 65, our licensed agents build coverage around your budget instead of a single carrier's sales quota. Every plan below is quoted across multiple A-rated insurers and explained in plain English before you sign anything.
Level term coverage from $50,000 to $2,000,000 through Mutual of Omaha, Americo, Transamerica and more. We run informal underwriting first, so you know what rate class you realistically qualify for before a medical exam is ever scheduled.
📞 +1-540-352-6249Permanent coverage with tax-deferred cash value, fixed premiums, and optional living benefits. Ideal for Tampa business owners who want a legacy for heirs plus a tax-advantaged asset they can borrow against later.
📞 +1-540-352-6249Policies from $5,000 to $25,000 with guaranteed issue and simplified issue options — no health questions, no medical exam. Rates typically fall between $32 and $95 per month and cover funeral costs, cremation and outstanding medical bills.
📞 +1-540-352-6249AHIP-certified, CMS-compliant guidance through Part C, Medigap Plan G ($115–$210/month in Florida) and Part D drug plans. We check your prescriptions against every formulary so you do not lose coverage at the pharmacy counter.
📞 +1-540-352-6249Ambetter, Molina, Oscar Health, Florida Blue and Cigna marketplace plans with premium tax credit calculations done for you. Most Tampa households qualify for subsidies, and many pay under $50 per month after credits. Florida KidCare enrollment help is always free.
📞 +1-540-352-6249Medical, dental, vision, group life and disability income packages for Tampa small businesses with 5 to 50 employees. We handle carrier underwriting, employee enrollment meetings and annual renewal negotiations on your behalf.
📞 +1-540-352-6249Want a full list of carriers and product details? Visit our insurance services page or call +1-540-352-6249 — a licensed agent answers, not a call center.
Biscayne Bay Life & Health Insurance Group has been licensed since 2011 and today serves families across Florida from Little Havana to Tampa Bay. We are not tied to one insurance company — our only job is to match you with the carrier that prices your health history and budget the best.
Serving the Tampa, Florida community for over a decade with agents who know Florida Blue, Ambetter and Humana Florida networks — including which Tampa hospitals and specialists sit in-network before you enroll.
Average response under 2 hours during business hours, with a written 24-hour response guarantee on every quote and question. Claims and enrollment emergencies get 24/7 phone coverage at +1-540-352-6249.
Upfront quotes, zero hidden fees, and no cost for consultations — carriers pay our commission, never you. If you find a lower published rate for identical coverage, we match it or explain in writing exactly why the difference exists.
100% satisfaction promise backed by full Florida licensure (2-15 and 2-40), $1M+ professional liability coverage, A+ Better Business Bureau accreditation since 2015, and free claims advocacy for your beneficiaries.
Interested in learning more? Submit the form below.
Four steps from first phone call to active coverage. No client is ever asked to commit during the first appointment — we teach first, recommend second.
Call +1-540-352-6249 or submit the quote form. A licensed Florida agent — not a call center — picks up between 8:30 AM and 6:30 PM EST, Saturday 9 AM to 2 PM, and we return every after-hours request within 24 hours.
We review your health history, budget, dependents, existing policies and beneficiary designations in a 25–40 minute conversation. If you already own coverage, we run a free policy review — even if you bought it from another agency.
You receive side-by-side quotes from 15+ carriers such as Mutual of Omaha, Foresters Financial, John Hancock, Florida Blue and Humana, with premiums, riders and exclusions shown in writing. We explain the trade-offs instead of glossing over them.
We submit the application, handle underwriting calls, and confirm your policy documents. Term life is often approved in 24–72 hours. Then we stay on as your annual policy review partner and claims advocate — for life.
Life insurance is licensed statewide across Florida. Health, Medicare and small group benefits are handled in person or by video appointment for clients throughout Hillsborough, Pinellas, Pasco and Polk counties.
Don't see your area? We serve the entire Tampa Bay region and all of Florida for life insurance — call +1-540-352-6249 and we will confirm your ZIP code in under a minute.
Real results from real Tampa Bay households — each review below reflects a verified, completed policy or enrollment.
“I'm a 1099 rideshare driver in Tampa with zero employer benefits, so I needed health coverage fast. Carmen ran my subsidy numbers and found me an Ambetter silver plan for $41 a month after credits. Enrolled in one afternoon. They also added a $250,000 term policy for $23 monthly.”
“My husband and I turned 65 within three months of each other. Their agent compared every Medicare Advantage plan in Hillsborough County and found us one with a $0 premium that still covers our cardiologist. They answered a Sunday-night prescription question in under 30 minutes.”
“We run a 14-person restaurant in Brandon and our old broker disappeared at renewal. Biscayne Bay rebuilt our group medical and added disability coverage, and our renewal came in 11% lower than the prior year. Free policy review found two employees who were paying for coverage twice.”
“My mother passed in November and I had no idea how to file the claim. Their office handled every carrier call and form for us, and the $15,000 final expense benefit paid out in 9 days. I will never buy insurance from a website again — this is why you want a real agent.”
Straight answers on pricing, timelines, guarantees and credentials — the questions our agents hear most from Tampa Bay clients this year.
Most healthy Tampa applicants pay between $18 and $75 per month for term coverage. A healthy 30-year-old can qualify for $250,000 of 20-year term from roughly $18–$24 per month, while a healthy 45-year-old can get $500,000 of 20-year term for about $58–$75 monthly. Final expense policies run $32–$95 per month depending on age and death benefit.
Never. Every consultation, quote and annual policy review is free with no obligation. Our agents are paid by the insurance carriers, not by clients — so you pay the same premium you would buying direct, but with an advocate in your corner.
Yes. Our AHIP-certified agents compare Medicare Advantage (Part C), Medicare Supplement (Medigap) and Part D drug plans from Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna and Simply Healthcare. Many Tampa clients qualify for $0-premium Medicare Advantage plans. Enrollment help costs nothing.
We guarantee a response within 24 hours on every request, and most Tampa clients receive their first carrier comparison within 45 minutes during business hours (8:30 AM–6:30 PM EST). Life applications are frequently submitted the same day you approve them.
Yes. Guaranteed issue and simplified issue policies are available for ages 45–85 with no health questions and no exam, covering $5,000 to $25,000. They are ideal for final expense and burial costs, and approval is often instant or within 48 hours.
Absolutely. Most Florida households qualify for premium tax credits, and many of our clients end up paying under $50 per month after subsidies on Ambetter, Molina, Oscar Health or Florida Blue marketplace plans. Subsidy calculations and Florida KidCare enrollment help are always $0 cost to you.
We provide claims advocacy at no charge. Our agency calls the carrier directly, files the paperwork and follows up on your beneficiary's behalf until the claim is resolved. Most online-only agencies will not do this — it is one of the biggest reasons families choose a local agent.
No. We are an independent agency appointed with 15+ carriers, including Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide, Florida Blue, UnitedHealthcare and Humana. We shop the market rather than push a single brand.
Yes. We build small group benefit packages for businesses with 5–50 employees — medical, dental, vision, group life and disability income coverage. Group quotes are free and typically delivered within two business days, including employee enrollment support.
We will review it free of charge, even if you bought it from another agency years ago. Our agents check your current rate, death benefit, riders and beneficiary designations, then tell you honestly whether to keep it, adjust it or replace it. No pressure and no obligation to switch.
Every agent holds an active Florida Department of Financial Services license — 2-15 (Life, Health & Annuity) or 2-40 (Health Insurance Only) — completes annual continuing education, and maintains AHIP Medicare plus CMS Fraud, Waste & Abuse certification. We have been A+ BBB accredited since 2015.
Yes. We provide phone support in English, Spanish and Haitian Creole, and offer evening video appointments Monday through Thursday until 8:00 PM during Medicare Annual Enrollment (Oct 15–Dec 7) and ACA Open Enrollment (Nov 1–Jan 15). Call +1-540-352-6249 to schedule.
Rates change with age and health, and every month you wait can cost more. Talk to a licensed Florida agent now — no fees, no obligation, and no pressure to commit on the first call. Available 24/7 for quotes and claims emergencies.
Fill out the secure form below and a licensed agent will respond within 24 hours — usually much sooner.
Hillsborough County is one of the fastest-growing insurance markets in the country, and coverage that fits a family in Wesley Chapel rarely fits a retiree in Town 'n' Country. Local knowledge is not marketing — it changes what you pay.
Tampa General, AdventHealth Tampa, St. Joseph's and Moffitt Cancer Center all sit differently across carrier networks. We verify that your doctors and hospitals are in-network before you enroll, so a low premium never turns into an out-of-network bill later.
Tampa's hospitality, construction, port and gig economies leave thousands of workers without employer benefits. We specialize in individual ACA plans with subsidy help and term life coverage from $18 a month so self-employed Tampa residents are not one hospital visit away from financial trouble.
From Carrollwood to Sun City Center, we walk new Medicare beneficiaries through the Initial Enrollment Period, Part B penalties, and the difference between Advantage and Medigap. Free bilingual workshops and one-on-one reviews are available year-round.
Our agency operates under Biscayne Bay Insurance Group, LLC with a main office at 2740 SW 8th Street, Suite 210, Miami, FL 33135 and a satellite office at 8900 SW 117th Avenue, Suite 305, Miami, FL 33186. Agents serving Tampa, Florida hold active Florida Department of Financial Services licenses — 2-15 (Life, Health & Annuity) and 2-40 (Health Insurance Only) — and are appointed with every carrier we quote. Life insurance is licensed and available statewide across Florida, so Tampa residents receive the same vetted products, carriers and claims advocacy as our Miami-Dade clients.
We are a member of the National Association of Benefits and Insurance Professionals (NABIP), maintain AHIP Medicare certification and CMS Fraud, Waste & Abuse training annually, and carry professional liability coverage. Tampa clients typically start with a quick introduction to our agency, then move to a coverage comparison and finally a scheduled enrollment appointment. To speak with a licensed agent today, call +1-540-352-6249 — available 24/7 for quotes and claims emergencies.